PlainLender
2024 data HMDA 2024 disclosure official source

Ohio County

989 mortgage applications, 18.7% denial rate. Verify FIPS 54069 with U.S. Census Bureau →

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West Virginia · FIPS 54069

Local mortgage market. Ohio County, West Virginia saw 989 HMDA-reported mortgage applications in 2024. Lenders originated 553 of those loans and denied 185, producing a denial rate of 18.7% and an approval (origination) rate of 55.9%. The average loan amount was $166,466 at an average note rate of 6.81%, with applicants self-reporting average annual income of $35K. 76 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 54069 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

989
Applications
553
Originated
18.7%
Denial Rate
55.9%
Approval Rate
$166,466
Avg Loan Amount
6.81%
Avg Interest Rate
$35K
Avg Applicant Income
4.8x
Loan-to-Income Ratio

Nearby Lenders in Ohio County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Wesbanco Bank, INC. 117 21.2%
2 Main Street Bank Corp 47 8.5%
3 Truist Bank 44 8.0%
4 Rocket Mortgage 34 6.1%
5 Belmont Savings Bank 32 5.8%
Compare Wesbanco Bank, INC. vs Main Street Bank Corp →

Frequently Asked Questions

How many mortgage applications were filed in Ohio County?
In the 2024 HMDA reporting year, 989 mortgage applications were filed in Ohio County, West Virginia. Of these, 553 were originated (approved and funded), while 185 were denied, resulting in a denial rate of 18.7%.
What is the mortgage denial rate in Ohio County?
The mortgage denial rate in Ohio County is 18.7%. The approval (origination) rate is 55.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Ohio County?
The average mortgage loan amount in Ohio County is $166,466. The average interest rate is 6.806%. The average applicant income is $35K.
What is the loan-to-income ratio in Ohio County?
The average loan-to-income ratio in Ohio County is 4.8x, meaning borrowers took on loans averaging 4.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Ohio County?
The top mortgage lenders in Ohio County by origination volume are Wesbanco Bank, INC., Main Street Bank Corp, Truist Bank. In total, 76 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.